Chase vs Synchrony Bank

Chase is a national bank with good promotions for new customers. How does it compare to Synchrony Bank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

While Synchrony Bank offers high interest savings with an ATM card for easy withdrawals. There is no minimum deposit. Their CDs require a $2,000 minimum deposit to open. There are no service fees for any products.

Compare Chase with Synchrony Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	Synchrony Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Chase Bank $300 Bonus - Learn More Read Chase Review	SPECIAL OFFER High Yield Savings - 3.80% APY - Learn More Read Synchrony Bank Review
	Benefits and Features
Savings	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.	3.80% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle
CD	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.	0.25% to 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
Checking	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market		2.00% APY. No monthly service fee and no minimum deposit.
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	Any ATMs with Plus or Accel logos
Customer Service	Automated service available 24/7	Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET)
IRA CD		0.25% to 4.15% APY. Terms of 3 months to 5 years. No minimum deposit to open.
IRA Money Market		2.00% APY.
Locations	Over 4,700	Online Only
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	Pros: Savings with ATM card High APY All balance tiers receive same rate Cons: No checking account Limited customer service hours
Bottom Line	National bank with good promotions for new customers... Read full review	Good online bank offering high interest rates... Read full review
	Visit Site	Learn More
	Chase Bank $300 Bonus Chase Bank $100 Bonus Chase Business Up to $500 Bonus	High Yield Savings - 3.80% APY Money Market - 2.00% APY Certificate of Deposit
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 06/24/2025. Synchrony Bank: Pricing information from published website as of 06/23/2025.

Member FDIC

Chase Total Checking® - $300 Bonus

Open an Account

Expires 10/15/2025

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
Chase Mobile^® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 10/15/2025

New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle^® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile^® app and Chase.com.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

Chase Business Complete Banking® - Up to $500 Bonus

Get Coupon

Expires 7/17/2025

Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink^® Business credit card.
Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle^®, Online Bill Pay, wire transfers and ACH payments.
Convenient access to payment processing. Process all major debit and credit cards with QuickAccept^®. It's a built-in feature with your Business Complete Checking account.
Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
Associate Debit and Employee Deposit Cards available upon request

Which is Better: Chase or Synchrony Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

In short: Synchrony Bank's savings is excellent.

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Chase Business Checking Promotion

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.